Ok I apologize in advance but you asked for it
Infant - God, Devil, Parents, Doctor, DISEASE/SYNDROME
Flood - Water (specifically failure to observe proper safety procedures relating to rainy weather and lack of proper flood banks/levys)
Granny - Weather (specifically lack of installation of lightening rod)
I was just giving you what I have experienced. I agree that the US in general is all about assigning blame to everyone/thing. There can be many reasons for an MVC to occur for example: Blown tire, Slamming on brakes, doing makeup while driving, DUI, etc ad nauseaum... Not a single on of these are accidents. They are directly attributed to either an action or a lack of action.
Same with an ND in the most active shooting "target team" I know about (The US Armed Forces) there is no such thing as an AD anymore. For the EXACT same reason I pointed out above, everything can be attributed to an action or lack of action. Round fired cause someone pulled the trigger usually....
Insurance companies do not pay for accidents, they pay based on coverages. They pay you based on damages occuring from whatever happened. They also have a list of thigns they DO NOT pay for, such as negligence and acts of God (isnt this everything????)
Just because there is not an ACCIDENT does not mean there is not an INCIDENT. Everyone can be injured for some reason. Even a heart attack is not an accident, it has an attributable cause of something or another being wrong with the heart. What I was stating is that in the current medical field if an EMT writes on their paperwork "MVA" or "accident" they are automatically placing themselves in a medically liable position. MVA is not recognized by NREMT nor PHTLS nor even TCCC.